TD mortgage rates
TD's lowest 5-year fixed rate on its own website was 5.29% (not split by down payment) when we read it on Nov 13, 2026. Its posted 5-year rate was 6.14%, 0.85 points higher. Its lowest variable was 4.49%. The lowest comparable rate we collected anywhere was 4.59% at ATB Financial.
What are TD's mortgage rates by term?
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 6-month | — | 5.54% | — | — | $3,063.61 |
| 1-year | — | 5.69% | — | — | $3,107.48 |
| 2-year | — | 5.39% | — | — | $3,020.02 |
| 3-year | 5.24% | 6.15% | 0.91 pts | $2,976.71 | $3,243.75 |
| 4-year | — | 5.99% | — | — | $3,196.06 |
| 5-year | 5.29% | 6.14% | 0.85 pts | $2,991.12 | $3,240.76 |
| 6-year | — | 6.29% | — | — | $3,285.72 |
| 7-year | — | 6.40% | — | — | $3,318.87 |
| 10-year | — | 6.80% | — | — | $3,440.56 |
What does TD's 5-year rate cost on $500,000?
| TD special | 5.29%read Nov 13, 2026 |
|---|---|
| TD posted | 6.14% |
| Mortgage | $500,000, 25 years, 5-year term |
| Monthly payment, lower → higher rate | $2,991.12 → $3,240.76 |
| Interest difference over 5 years | $20,515 |
Open this example in the calculator →Computed Nov 13, 2026.
Which TD rates did we collect, and from which page?
| Term | Type | Insured | Kind | Rate | Fine print (the lender's words) | Source |
|---|---|---|---|---|---|---|
| 6-month | Fixed | Not split | posted | 5.54% APR 5.72% | — | page |
| 1-year | Fixed | Not split | posted | 5.69% APR 5.79% | — | page |
| 2-year | Fixed | Not split | posted | 5.39% APR 5.44% | — | page |
| 3-year | Fixed | Not split | special | 5.24% APR 5.27% | — | page |
| 3-year | Fixed | Not split | posted | 6.15% | — | page |
| 4-year | Fixed | Not split | posted | 5.99% APR 6.02% | — | page |
| 5-year | Variable | Not split | special | 4.49% prime − 0.36 APR 4.51% | — | page |
| 5-year | Fixed | Not split | special | 5.29% APR 5.31% | — | page |
| 5-year | Fixed | Insured | special | 5.29% APR 5.31% | — | page |
| 5-year | Fixed | Not split | posted | 6.14% | — | page |
| 6-year | Fixed | Not split | posted | 6.29% APR 6.31% | — | page |
| 7-year | Fixed | Not split | posted | 6.40% APR 6.42% | — | page |
| 10-year | Fixed | Not split | posted | 6.80% APR 6.81% | — | page |
Highlighted rows are the lowest special or advertised rate for that term and type among the rows shown. * = the lender's own prime rate plus its stated spread. Collected Nov 13, 2026; check the lender's page before relying on any rate.
How does TD charge to break a mortgage early?
Prepayment and penalties
We didn't find TD's penalty method on the pages we read. It's in your mortgage contract's information box.
“Pay up to 15% of the principal amount on a closed mortgage annually, or 100% on an open mortgage, without prepayment charges.” Source
Check a TD posted-rate IRD · full penalty calculator on BankMortgages.ca
About this lender
Bank lending across Canada. Prime rate 4.85% as stated on its site (as of Nov 13, 2026).
MortgageRateToday.ca isn't affiliated with TD and isn't paid by any lender.
Frequently asked questions
What is TD's 5-year fixed mortgage rate?
On Nov 13, 2026, TD's own website showed 5.29% (special/advertised) for a 5-year fixed and a posted 5-year fixed rate of 6.14%. Rates change often; check the lender's page.
What is TD's variable mortgage rate?
The lowest closed variable rate on its page was 4.49% (prime − 0.36) for a 5-year term, with TD's prime at 4.85%.
What prepayment privileges does TD offer?
Pay up to 15% of the principal amount on a closed mortgage annually, or 100% on an open mortgage, without prepayment charges. (from TD's website).